OP customer relationship

Ordering services and products – How can I order a card for my brand new account?

By becoming our customer online, you will get an account and OP service user identifiers. If you then want to link a payment card to your new account, you can do it easily online. First determine which card you would like to have. Then log into OP eServices with your credentials and apply for the card.

Becoming OP's customer online – Who can submit the application online?

You can become our customer without visiting a bank branch if you are a Finnish citizen of at least 18 years of age and have a good credit history. If you have a negative credit entry in your credit report, or you don't have Finnish citizenship or a permanent address in Finland, you can book an appointment to make the application at a bank branch.

Activation of OP service user identifiers – How do I activate my new user identifiers?

You will receive a text message of the approval of your new customer application within two days from sending your application. The text message also tells you how to activate your new OP service user identifiers online. Follow the instructions. You will then receive your username and password for OP services. These new user identifiers are valid immediately. You can log into OP services as soon as you have received a key code list by post.

Costs related to customer relationship – What does an OP customer pay?

If you become our customer online, you will automatically get an account and OP service user identifiers. The account to be opened is free of charge. The monthly fee for OP eServices is at maximum 2.70 euros.

As our customer, you may also choose to use other services. To check the actual fee for OP service user identifiers and payment services as well as all other service charges, see your own bank's list of service charges and fees.

Online transactions – Can I use OP service user identifiers in services provided by third parties?

OP service user identifiers give you access to all online and mobile services provided by OP. If you want to use your credentials for authenticating yourself in services provided by third parties or for online payments, you need OP eServices user identifiers.

OP eServices user identifiers give you access to services provided by OP and, additionally, to services provided by third parties. By visiting a bank branch, we can assign OP eServices user identifiers to your account, too.

Moving my transactions – How can I transfer my income and expenses to the new bank?

If you sign a power of attorney, we will take care of transferring your payment transactions for you, free of charge. We will move your transactions to OP according to your plan and, if needed, also see to that transactions through your current bank are stopped.

We will transfer upcoming regular payments from your current account – such as recurring payment orders or direct debit mandates given to your current bank – to your new account according to our agreement. Payment orders will be transferred at the latest within seven banking days from receiving the necessary information.

If you have existing e-invoices or other types of recurring payments, remember to activate them again yourself. If you have agreements allowing some service providers to debit your account using your card number, remember to tell the number of the payment card linked to your new account to those service providers. For receiving income into an OP account, you need to tell your new account number to all those parties who should make their future payments into your new account.

New account number – Who to inform?

When you switch banks, your account number will change. Make your new account number known to all those who make periodic payments to you, such as the organisations paying your wages or pension. Note that you can inform certain organisations of your new account number conveniently online by going to the website of, for example, pension payers, tax authorities or KELA.

How can I change payment accounts?

When switching banks, you can choose to change your payment account to the new bank, free of charge. Using a power of attorney, you can authorise the new bank to move your payment account. Then you don't have to take care of the practical matters related to the switch. If there are several account holders, everyone must give their consent to the payment account switch.

Your new bank will

  • transmit the power of attorney signed by you to your old bank within two days
  • inform the organisations paying your wages and benefits, as well as any SEPA direct debit creditors, of your new account number; and activate any pending payment orders from your old bank within five days from receiving the related information from your old bank.

Tell your new bank the date starting from which your recurring orders and SEPA direct debits are to be debited from your new payment account. Note that the earliest possible date is 13 days from the day the new bank has received all the information it needs.

You old bank will

  • stop its services according to the power of attorney signed by you within five days from receiving the power of attorney
  • submit a list of the recurring transactions on your account in the past thirteen (13) months to your new bank, and on request to you too
  • transfer the funds on your account to the new bank’s account and then close your account in the old bank.

What are OP bonuses and how can I earn them?

If you are an owner-customer, you will earn OP bonuses based on your transactions. OP bonuses are then automatically used to pay for the services that you use. On OP eServices, you can see the amount of OP bonuses you have earned, for what they have been used and their amount available.

Owner-customers earn OP bonuses through all transactions that entitle to bonuses, such as loan, savings, investments and insurance premiums. The amount of OP bonuses earned is calculated based on the owner-customer's monthly transactions.

OP bonuses in the bonus account are automatically used for services determined by OP, such as banking services, insurance premiums, OP-Kiinteistökeskus real estate agent commissions and fees for legal services. Bonuses will automatically be either partly or fully used to offset charges and fees, depending on the amount of available bonuses.

Benefits – How can I become owner-customer and enjoy benefits?

All our customers can become owner-customers, too. Join us online, by calling OP telephone service at 010 253 133 or by visiting your nearest OP cooperative bank branch. When joining us, you will pay an ordinary cooperative contribution, generally amounting to 100 euros. It is a one-time contribution – you won't have to pay anything else.

If you become our owner-customer, you will own part of the cooperative OP and get valuable benefits as well as discounts from banking services, insurance premiums, and saving and investment services. As owner-customer, you will also earn value-for-money OP bonuses from your transactions – up to hundreds of euros a year.

Switching banks – I am about to switch banks. What information do I need for the meeting?

When you want to switch banks, book an appointment online for a meeting or an online meeting. The meeting will last for approximately one hour. We will discuss the services which would suit you and the process of moving your customer relationship from your current bank to OP.

For smooth switching, we recommend that you prepare a summary of your current banking services for the first meeting.

Items to include in your summary:

  • Loan numbers and amounts
  • Account numbers
  • Credit card numbers
  • Insurance policies

If you're interested in a home loan, please also fill in a home loan application online in advance.

Application processing – I have filled in and sent an application. What happens next?

Processing your application begins after you send a complete application. You will receive a text message of the approval of your application within two days from sending your application. The text message also tells you how to activate your OP service user identifiers. You will be able to use your activated user identifiers after you receive a key code list.

You will receive the key code list by post within one week from sending your application. Within a week, we will also deliver all other customer relationship documents to your email or home address, whichever you select.

Becoming an OP customer – What information am I asked to provide when I become OP's customer?

You can become an OP customer by filling in an application online. In the application, we will ask you to provide your contact information and a mobile phone number to which we can send text messages concerning your customer relationship. Banks also have a statutory obligation to know their customers and verify their identity. We need to comply with the Act on Preventing and Clearing Money Laundering and Terrorist Financing in order to support secure customer transactions and, therefore, we also ask questions related to funds in the account and tax liability.

To be able to fill in the application, you need to authenticate yourself using a valid personal ID document. Please have your passport or personal ID card ready when you begin to fill in the application. 

If you want to switch all your banking to OP, please book an appointment instead of filling in an application. We recommend you to prepare a summary of your current banking services for the meeting.